No Interest Loans - NILS

What is NILs?

No Interest Loans (NILs) enables people and families with access to fair, safe and affordable credit to purchase essential goods and services to the maximum value of $2000. Loans are free from fees, charges, and interest. Pay back only what you borrow. NILs is a smart choice financial option to help you pay for essentials and get what you need right now. No Fees. No Charges. Ever.

proudly funded by Good Shepherd Australia

What can I use a loan for?

Essential goods and services including:

Household items like appliances, whitegoods & furniture
Car repairs & registration
Medical, dental, wellbeing and life event expenses
Technology like a phone or laptop
Education expenses like fees or uniforms
Employment expenses like licenses or equipment

Loans are paid directly to the supplier and cannot be used to repay debt(s) or for ongoing general living expenses like food.

Am I Eligible?

Your are eligible for a No Interest Loan if you:

Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children

OR Have experienced family or domestic violence in the last 10 years
OR Have a Health Care Card / Pension Card
AND You can show you can afford to repay the loan

What Documents Do I Need?

Email through the below documents to nils@shac.org.au, or you can drop them off to the office at 3 Brisbane Street, Parramatta Park.

The most recent 90 days of bank transactions from all the bank accounts. If transfers are present in your main account, we will also require those bank transactions. If you are using online banking, SHAC NILs has a new service to help you obtain the bank statements to support your NIL application. This free, secure service is provided by an Australian company, and it takes less than a minute to complete. Should you wish to proceed with this, please click on the following link to start: https://scv.bankstatements.com.au/NILS-SHAC. Simply choose your bank, enter your online banking details, select your accounts and press submit. Your statements will be sent directly to us.
100 points of ID:

At least 1 or 2 from this category (70 points for each document): Driver’s licence, passport, proof of age card, birth certificate, citizenship certificate, pension card
If the total of the document above doesn’t add up to 100 points, provide as many of the following documents to achieve 100 points (30 points for each document): Medicare card, a utility bill, ID card, rate notice, ID card, tertiary education institution photo ID

Current Centrelink income statement and CPAY deduction statement & last 3 pay advice if applicable.
Statements of any payday or rent to buy loans if applicable.
Official quote of all items required - with business ABN and business bank details for payment.

Get in touch with us: NILs

If you would like to know more about NILs, please fill out the form below, and a SHAC worker will be in contact with you shortly.

Name

First Name

Last Name

Phone Number

Address

What would you like a NILs loan for?

Are you located in the Cairns local area?

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Have you had a previous NILs loan?

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I give consent for a SHAC worker to contact me to discuss my eligibility for NILs

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